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What's "best" for one person, may not be best for you. I think the question ought to be more along the lines of "What's the best way to compare my life insurance options"? To do that, I'd recommend you begin by getting multiple quotes from one of the free online quoting services (e.g., h

There are a lot of good options for life insurance. Right now most life insurance companies are offering very competitive rates. Finding the best life insurance involves shopping around, as insurance rates can vary considerably from company to company. Another important factor to consider is the financial strength and integrity of the company you choose. If you have any doubts, get ratings from A.M. Best.

Term life insurance is temporary life insurance that provides coverage for a specific number of years. If you outlive the term of your policy, the coverage expires. Term life insurance is pure protection because no cash value builds within the policy, there is only life insurance protection, no …investment. A+ purchased for a certain time period with a specific premium cost (MORE)

The best life insurance company is one which is financially soundand has a proven track record for paying out death benefits. Lifeinsurance companies are rated for this by rating companies likeA.M. Best. The best rating with them is an A++.

It varies from company to company on different amounts, your age, your health, your smoking status and other variables. Your best bet is to speak with a true "broker", talk about your particular situation and obtain a number of quotes vs the insurance company coverage and offerings. While one compan…y quotes a lower price, the actual offer may be higher once you have applied so be careful. Don't forget to look into Waiver of Premum and Return of Premium. Answer The best rates for life insurance can only be found by shopping around for life insurance. Rates differ considerably from company to company and therefore the more you shop, the more likely you are to find the best policy at the most affordable price. Another crucial factor to consider is the financial integrity of the life insurance company. Choose a company with a good rating by A.M. Best. (MORE)

Best type of life insurance for YOU may not be the right coverage for another person. If you are looking for temporary protection until your children are financially independent you may want to consider term insurance. Term insurance policies with Return of Premium are also available, which return a…ll of your premiums at the end of term if you outlive your term policy. If you want to have protection throughout your life and protect your spouse or dependents after your own retirement, then a permanent type of life insurance will be the best for you. If you're looking to supplement your retirement funds you can get a whole life or universal life insurance policy and also can take loans out of the cash value. (MORE)

New York Life is the largest mutual insurance company with over $14 billion in surplus, and was rated the highest financial ratings from the major rating agencies. it was reaffirmed twice in the year of 2009.

The best type of life insurance to have is the one that meets your needs and fits your budget..
First decide why you need life insurance, and what you want to accomplish with your life insurance?.
Who relies on you for financial support? How much life insurance do you need, and for how many years?….
Term life insurance provides temporary life insurance protection for a specific number of years, usually 1-30 years. If you outlive the term, your coverage expires. There is no cash value build up within the policy, it is pure protection..
Permanent life insurance is lifetime protection, as long as you pay the premiums. Cash value may build up inside the policy. You may be able to take a loan from the cash value..
Term life insurance usually costs less than permanent life insurance..
Answer .
The most popular type of life policy is term life insurance. If you're young, healthy, and running on a shoe-string budget then buying a term life insurance policy may make perfect sense for you. It is the most affordable type of life insurance and suits the most important purpose of a life insurance policy, which is to provide financial protection for your family in case of the death of the policy holder. Some term life insurance companies look more favorably on smokers, those with health impairments or the aged. Term life insurance is also very competitive and you can find the best policy with the most affordable rate though online insurance quote providers. (MORE)

Life term insurance is temporary life insurance that lasts for a specific period of time..
Term life insurance may last from 1-30 years. Common terms for term life are 10, 15, 20, or 30 year periods of coverage..
If you outlive the term of your policy, the life insurance coverage expires..
Renewa…ble term life insurance allows you to renew your policy at expiration without having to take a physical exam to qualify for another policy..
Term life is not an investment, there is no buildup of cash value within the policy. (MORE)

Life insurance can be "Term" or "Whole Life". Term insurance is paid over a short period of time (such as 1 time a year) for a short period of coverage (such as one full year). Many parents buy (take out) Term Insurance on their school-age children, especially if the child plays sports. The coverage… is for the school year, only, or covers 12 months on some policies. After that short period, the coverage expires. The policy would need to be re-issued and a new payment made. Term life insurance rates vary, often widely, depending on age, health, medical conditions, and usual activities. Whole life insurance is paid monthly, for an indefinite number of years (usually until the person fails to pay or dies). Some Whole Life policies can be converted to a Paid Up-Whole Life policy. But generally, Whole Life means "covered for life--as long as you pay for life". Given these descriptions, Term Life Insurance can be described as "short term for a shorter number of coverage at a set payment rate only for that year". Cost of renewal may change each year. Whole Life can be described as "longer term life insurance for a longer period of time (lifetime) as long as monthly, bi-annual, or annual payments are made, and coverage then stays in force until money is no longer paid--or death." Whole Life-Paid Up means you have a reduced total insurance amount, but never have to pay for it again. A paid-up policy just sits there until death. (MORE)

You should contact an independent financial advisor ( I.F.A ) because they can source the market for the best product to suit your specific needs. There are many companies that offer life insurance and each one of them have strengths and weaknesses. Some of the top companies are State Farm, Nation…wide, Metlife, and Mutual of Oklahoma. It is best to do research and see which company will offer you the best rate with the highest coverage. (MORE)

Here is the best way I can explain it: Lets say you are going to rent a home and you have a $1000 dollar per month budget. You find the home you want and you tell the landlord that you want the home and are willing to pay $1000 per month. The landlord says, "I only want $500 a month". Lucky you rig…ht? You say "Great, but how about I still pay you the $1000 and you invest the difference for me?" The Landlord agrees. You stay in the house for ten years and every year the rent has gone up little by little. You really don't care because its always been within your budget and the rest was reinvested for you. So up till now you've been quite happy with your rent/landlord. But today he shows up and says your rent will be $1200 a month. You respond with, "Well I can't afford $1200 only $1000." The landlord says, "don't worry about it, you pay me the $1000 and I'll just take the rest out of the money I invested for you." Again, this sounds pretty good and you agree. Still every year going forward, little by little, the rent of your home keeps going up. You keep paying $1000 a month and the difference comes from your investment. 5 more years go by and you landlord shows back up and says that your rent is now $2000 a month and their is no longer any money left in your investment account to cover the difference. So you either have pay the $2000 or move out. You can't afford the two thousand so now you are homeless. That is what universal life does. Half of your money is going towards paying a term life policy and the rest is being reinvested. The price of term insurance goes up as you age until the point you can no longer afford it and you stuck without coverage and by that time you either can no longer qualify for coverage or if you can, you probably can't afford it. Hope this helped. (MORE)

you need life insurance coverage most while you are raising children. as your children become independent and your assets increase, you can reduce your coverage. term insurance comes in many different forms.

Whole life insurance is not necessarily bad but it may not be right for you as it can be substantially more expensive than a term insurance. If you need life insurance but don't want to pay the high premiums on whole life insurance ask for term insurance quotes. Whole life insurance is a level premi…um from the time you get the insurance until you die which is good if you have an estate that will need liquid funds but not necessarily right for someone who is just looking for life insurance until their kids are grown or their mortgage is paid off (MORE)

It depends on the type of life insurance you want,often it is better to but Term Life insurance rather than Whole life insurance. There are many companies that offer quotes on life insurance policies and the way to find the best rates is to shop around and compare prices and policies.

The younger you are the better rates you are going to get for life insurance. If you wait till you are older you may have health conditions that make it almost impossible to acquire it or it will very high premiums.

At age 30 because the amount you pay per month is very low and is about $14. after a while of this it adds up to about $255,000 which is alot to cover funeral cost, and leave money behind for your loved ones.

The best way to find out information about this is to read as much as you can about different life insurance policies and decide in advance the things that youare looking for in a life insurance policy.

Reputable insurance companies for whole life insurance include Gerber Life, MetLife, AllState, and Mass Mutual. Check with your auto insurer if you have car insurance, because sometimes you can combine two or more insurance policies with the same insurer and get a discount.

There are several good companies out there, and the best one for you would depend on your age, gender, health, and the amount of insurance you're looking for. I would suggest speaking to a licensed agent :-) who can ask the appropriate questions and derive a series of rates from multiple companies …for you, along with determining which is the best carrier for you to go with. Feel free to contact me via my profile for more information. (MORE)

There are 2 primary types of life insurance. Neither is "best"because they serve different purposes and may be more appropriateat different times in one's life. One type is "whole life", if which there are several varieties.This provides both insurance protection and within the policy is anelement w…hich may be called "savings". It is referred tyo as "cashvalue". Each premium paid is allocated between the actuariallydetermined amount (based on age, health history, and other factors)to provide insurance protection. Another portion of the premiumgoes into the "cash value" which may VERY generally be thought ofas a savings account. Different companies and different policies dodifferent things with the savings element-such as give the insuredan option to invest it, at different degrees of risks, intoinvestment vehicles that the company offers. Generally, the premiumpaid for whole life insurance remains stable and predictable, butit is a higher cost insurance than term life insurance. The cashvalue can be borrowed from the policy as a "policy loan" at aninterest rate stated in the policy. The other main type of life insurance is "term life". It is oftencalled "pure protection" because premiums go strictly to thepayment of the death benefit (and administrative costs). There arevarieties of term life such that the premium can remain level for aperiod of years, after which it increases, sometimes verysubstantially--so substantially, in fact, that there may be a pointwhen the insured is unable to continue the premiums at the newlevel and has to allow the policy to lapse. The additional dangerthen is if there has been an intervening medical issue, one may berendered effectively uninsurable despite the premium. Many people start a portfolio of life insurance that combines somewhole life and a great deal of term life (because it is relativelyinexpensive) to provide adequate coverage while their family isyoung and financial needs are greatest. As financialresponsibilities decline, the need for great amounts of lifeinsurance (and perhaps the need to pay increasing premiums) mayalso decline. In all events, life insurance has to be a part of an overallfinancial plan and should be purchased after advice and counsel ofa licensed life and health insurance agent. There are mainly 5 types of life insurance policies: Term Insurance Policy Whole Life Policy Endowment Policy Money Back Policy Pension & Annuities (MORE)

"Go to insure com this site has studied the companies, to find the best price for life insurance.They give you quotes from 40 companies.They can answer questions about the standards you will have to meet for each company.You can call 1-800-442-9899 to talk to an agent."

You have to check with a good life agent or broker who can offercomparisons from multiple companies. The decision will ultimatelybe yours based on the recommendations. I know of quite a fewGuaranteed Issue Life companies.

Depending on your specific situation (family, dependents, assets, age, etc) you may find that either term life insurance or permanent life insurance can be better for you. As the name implies, the term life insurance offers temporary protection for your most vulnerable years (growing family, kids a…re in school, mortgage is not paid off, etc). This is the most cost effective type of life insurance for those who seek a temporary solution for their protection needs. If you think there is a chance that you may outlive your term life policy, there is an option that you can add which will return all your premiums back at the end of the term. It is called Return Of Premium (ROP) Lfe Insurance Rider. ROP life insurance will cost slightly more than regular term insurance, but you get all premiums paid back at the end of the term. You can use the cash received to purchase a new term policy, or a permanent life insurance policy, or any other purpose. Permanent life insurance is needed when looking for a long term protection, that would last until ages 105 - 121. Odds are very low that you will outlive a life insurance policy that is designed to last until age 121. This type of life insurance policy also accumulates cash value, and can be used for other purposes than just life insurance protection. Cash value can be taken out of the policy as loans, and used for any purposes you can think of, like college funding, supplement retirement, large purchases. So, going back to your question, you have to decide what's best for you: a temporary solution, or a permanent one. (MORE)

Life insurance is not an investment. It shouldn't be thought of as an investment. It's a financial product that pays a death benefit. There's choices on how you can finance this product. Some brokers will tell you that life insurance is a great savings tool due to cash value buildup. In most case…s, cash value is simply your prepayment of future premium payments. Some people will add money to their life insurance policies up and above the cost of future premiums so they can use the policy as a tax-favored place to park extra dollars. But that's more of a tax strategy than an investment. (MORE)

Some of the best Canadian life insurance companies, (seeing as how there's no specific area targeted) would be Great-West Life Assurance, UL Mutual Company, Desjardins Insurance, Industrial Alliance, RBC Life Insurance, and the Co-Operators Insurance. For America, your best bet would be Allstate or …American Family Insurance. (MORE)

You can check on AMBest, some of the highest rated life insurance companies: Transamerica, North American, Banner, MetLife, Principal, Protective, United/Mutual of Omaha, Lincoln Life, Prudential, John Hancock - all rated A+. You can get free quote comparisons from all at once, to compare their rate…s side-by-side. (MORE)

Life Insurance for children is easily purchased today with many insurance companies in competition for the consumers. Globe Life offers a $1.00 for first month premium while Gerber Life has a "Grow-up" plan that starts premiums as little as $1.00 per week.

You can find term life insurance from many different companies such as State Farm and Nationwide. If you would like to get quotes to compare which is the best policy for you, you can go to an independent insurance agent in your local area.

There are several top-rated life insurance companies that offercompetitive rates. So it would be a better if u first check and compare all the lifeterm insurance policies online before making a purchase decision.Doing that will ensure about the policy its terms and conditions,premiums etc and also s…aves you from fake commitments and help youchoosing the one that offers best at reasonable premium. Below is the link where u can compare online http://www.policyx.com/ (MORE)

The best way to find affordable whole life insurance is to search and "shop around" with all the companies providing insurance in your area. Many companies not only provide their rates online but have built-in tools to allow for an easy comparison with competitors. A good idea is to look at guides c…reated by local health related government departments and insurance associations to better understand the types and features of whole life insurance policies, which would help in selecting the appropriate plan. (MORE)

Each company is different and it is difficult to find the best rates numbers wise. To keep your rates low it is recommended that you do not smoke, keep healthy and fit, and be completely honest about any health problems that you may have.

Which life insurance company is best is a personal decision. The choice will be different for each person depending on the individual's needs and the amount of money they want to spend. Some companies that offer life insurance policies are MetLife, State Farm, and New York Life.

It is always the best plan before buying life insurance policies to ensure that one has obtained the best value quote. This is not always the cheapest. That the benefits which would be paid out would be enough for one's family is also essential to get right.

The best policy offered by LIC in my opinion is Jeevan Anand, wherethe policy holders gets SA and guaranteed addition onmaturity,after which they get whole life coverage without paying asingle premia. The nominee gets the SA in the event of death duringthe period. However, they can encash this facil…ity at the time ofmaturity against some proportionate deduction. Thus, this policy isan unique combination of endowment and whole life policy concept. (MORE)

It is best to take life insurance Dubai from a reputed bank orfinance company as they offer the best schemes. They protect youagainst life's many uncertainties. They have the option of regularor lump-sum contributions. They cover critical illness, accidentaldeath, hospitalization, permanent disabili…ty and others (MORE)